of Hilleborough.

I Th0 nest $56,000 5|” q“. mend weighed 805 car-sh. it wu bought from a Ka/llr witch- loctor for 50D sheep

Inswering sparkle

this treasure. No

The sparkle ofa peril-cl diamond brings an

holder. But the finest of gems is not so precious as the gift of health. Guard wgll

compensate for its loss. if illness threat. ens, go promptly to the physician of your j, l choice. And when you have his prescrip- ll0l1 We lwpe you will entrust its com-

pounding no thlflittlisblc" pharmacy

‘frlllli JENIQNSPHARMACY will reopen on Tuesday. f, ”" Iclfii: ""”t. , -—" Illtucr-urrlq chums.“ f, BALANC or ovmrcoars at lB.'.l..-5tl\I-'§I{ cnnvullurcurrtl cost. J. . MacPherson and 50;;

The llontral Guardian

this column is reserved for anus of local interest, but ulvtrflstng of n newly nature may b0 inserted l0 five cont o word, strictly p0; lblo ln edvsnoo.

000KB fvr Photographs.

JIMMIEB TAXI Phone 525. CBASWELL for Photographs.

‘nowann McINNIS Fitting Footwear at 175 Queen street.

AT YOUR SERVICE - Amfnsl Coal Co. Phone 2498.

CONFEDERATION LIFE IN. SUBANCE.

OLD SYDNEY SCBEENED COAL

in n“, eye, o; me by ggllwdlns today. n. Pickard c

COKE DISCHARGXNG

' today, {furnace and base

i

I

burner size, W. D. Glllls and C0,, Phone 116.

other possession can

MRS JOHNSTONS LADIES WEAR January Sale—~Coats, dress. es, skirts. etc.

DOMINION COKE -A. Pickard d: Co. are filling orders for furnace coke today.

THE OFFICE of Dr. A. L. Mc- Isaac. whalen Bldg, Grafton St,

Queen Street.

THIS WEEK SPECIALS at the Marin Elena. $5. Permanents for

i Cornwall

The many friends of‘ Muck Mac- Lean of Cornwall will be sorry to know he entered the Prince Ed- ward Island Hospital on Sunday.

Mrs. A. MacVlttie of Crupnud is visiting hcr sister, Mrs. Jame! Morrison, who is making a good recovery at the home of her niece, Mrs Glrrge MncMiliarr.

The Cornwall Rink opened with R bflflg on Saturday night, and the cilretakers had done wonders with the ice in the few days. The hoc- key teams are practising and very soon will be playing games. Cami. Will Md hot lunches are being lllannod and much fun is expected in the short season.

Hood of Hillsborouglt and Vicinity

Miss May Douglas. Mount Stew. art has returned home after Spending the holidays with rela- tives in this district.

Miss Carrie Jar-dine, Charlotte- town, is at present visiting friends in Head of Hillsborough.

Mr. Hamilton Douglas of this district was n visitor to Charlotte- town on Thursday.

.Mr. Arthur Chilon. St. Peters Bay has come to spend the win- ter months with relatives in Head

.-.._.__

Master Bruce Douglas, Mount

Ill MEMDRIAM

' 1M1 MALCOLM L. MMPHEE

“To depart and to be with " v Christ - . U ll hr better. Phil. 1:23.

lovingly Jlernembered by John N. 0nd Jean.

$2.50. Telepho 2191.

I l Stewart, spent the holidays with‘ his grandparents in this district,’

l

I-‘LIGIIIS DAILY except Sunday . jto New Glasgow and Halifax Ralph Coffin, Head of Hlllsborough.‘ m m 206 or 540‘

I I

The people of this district wllll regret the passing of MI- W~ 11-! ',C Aucitorium Sponsored‘ by Jardine at the ripe old age of 861mm Mm», Brotherhomy

years. _ | __Q__

BURNQ ANNIVERSARY CON- CERT-Tuesday. January 25th. P.

HOCKEY GAME, North Rustic: Legion Rink, Charlottetown Bomb- ers, North Rustico Maple Leafs, iTuesdsy, January 18th. Game starts

Mrs. Alonzo Birt 0nd Mrs. wal-Y let Myers of this district vlsltedi friends ill Peukcs Station recently.

The monthly meeting at thc,3_;w_ d 1 1 35_ 5k! 1t;- Head of Hillsborouglh Womenslgmef," msson C "a e a e institute was held at the home .___. of Mrs. Frank Jardlnc with rm ENGAGEMENT Ayygvjyggnp-

attendance of nine members and

Mr. and lvlrs. Rcx Dawson, North seven visitors.

‘ iTrynn, wish in announce the en- MT- LBiVSOII Duvilffi-i 3°34 °f garrcnlcllt nf their daughter Hmsimraugh- was a “ism” "0 Florence liillcllaert lo Cpl. George

Charlottetown recently.

Mrs. Ida Piggott, Mount Stew- art. has returned home alter spending some time with her daughter, Mrs. Harvey Douglas of this district.

CARD or THANKS

I wish to thank the members of

Harrington. U. S. A, F. Corslcnnn Texas. Marriage ‘lo take place in near fulurc.

ANNUAL MEETING AT LONG RIVER CHURCH -— The annual meeting of the Long Rlvcr Pres- byterian Church was held m the church on .l’anuary 11. fl"? REV. D- H. Campbell, Minister, prcsldlnrz.

, Miss Christie ‘B. Johnstone aciinl! Mme“ East wmnens Insmule t“ as secretary. Mr. Arthur Stewart,

their lovely Chrisirlnas basket oi’ treasurer. m“, (he financlur roporr film and “rd 59m me dim“? myi for the year ‘which-showed all bills

11131955- for the your paid in full with a substantial balance on hand. Mrs. Kenneth McLeod reported for the W. M. S. and Maintenance Fund. Mr. Elwood Campbell and Mr. Clair Campb?“ were appointed to thc Board of Managers. Meeting clos- ed with Benediction.

Mrs, J. B. flynn, St. Peter's, P. E. I.

CARD OF THANKS

lvilrs. Amanda Fraser and Family of Elmira wish to thank the Dre‘. and Nurses of the P E I Hospital for their kind attention during her stay in Hospital; also blood donors and all who in their various war-r helped to make her stay pleasant.

“Personal?

Mrs. Rl S. MacBeath of Fitzroy Street, left by plane Sunday 10!‘ Montreal, where she will undergo

~—-———--—'-— treatment in the Fgvyltlh Vitamin IN MEMORIAM {,*::l;*:.“‘....l‘:~..l’::

Mrs. llnrry McKee and Miss Phyllis Murray have returned from Montreal where they spent a plea- sant holiday visiting Mrs. Vern Murray.

W003) _. In loving memory of my deu- mother,

ETIIEL CATHERINE W000 who passed sway Jsnuru-y 1!. 1948-

“bove and remembrance lest for- over."

I-Iis many friends will regret to learn that Mr. Paul Fox. Ilovrer Montague, is u patient. in the

“d9” King's County Memorial Hospital

B: lPANA QRIGHTI/

Mulls Gums Healthier-Teeth Brighter with lpunu and Massage

I,

Change to

fl g m! ~ ' r _l all who on ."‘"‘--‘-¥~1‘-*-?-'-i!-$‘i’~'l‘§5?=i1i :::.-:.-ll=~l,.r.n..:lt.l~.:sr~r so [pus-for [pens is specially lusdl autumn s,“ QM,” '

not ion to heap mill elem. but to stlmulsto [um circulsdon. Try it. Brush your tooth with Ipsne. Gently muugo

nu- -- u»- -»-- - -»----- Y»- zamrlrtlalsskrtrw mouth tingle: with new fruhnou . . . gums h“ “d drink pun“ of "b; tubs up . . . your smile gslnsnew ehmn. B0 AL BRAN i. M; a p u", bu; bright about yourtootb 0nd gums-Josue brigbl- q tasty regulating . Eat u a

‘lien, lmlriry gums m so important rim 7 out of QAAIOE-rlglnfllfi pflsilrsge. m. can“ “w,” in u: w u “ma”; miill-‘iifi7ifi ash Midi bl! Katina‘: of landfill. \ uric.

where he is receiving treatment.

Miss Lorraine Horton, Murray River is a: present a patient in the Prince Edward Island Hospi- tal where she is receiving treat- ment. Her many friends wish her a speedy recovery,

CARD or THANKS

Mr. and ‘Mrs. John Garland and Mrs. James MoCaugbBY- Wri- All‘? ustus. wish to thank kind friends and neighbours, particularly Messrs. Joseph Simpson, Billy Kelly and Patrick Duffy for kindness shown Mrs. Elizabeth McMillan in her rec- ent slid bereavement.

000DDYE DDISTIPITIDI!

Wan gel: lnllng ullsi utllt itllrour semi

Wish you could atop wo ‘ngpbout mitgldatilonilfflren res this un- tte '

a r "I Iuflend [or you’; until o Fill. 1.300915 ALL-BEAN.’ It proved wou- dorfull I ant

ALL-BEAN ynow-

900000000000

If v u |ufl'er from constipation duo tn lsck of bulk in the diet, you may

cereal or in rauflns for natural results. If aftc; using s peeks are not completely uthfl , double your money buck udguaron-

Got olldoul

you

lpuna and massage today

towards International good will" was the subject of an informative address at the Charlottetown Rot- ary Club luncheon yesterday by Rev. M. E. Francis, of the Ex- tension Department of St. Dun- stan’: University. Guests at yes- terday's function included Rotarlan Clarence Nlckerson, Moncton, Mr. J. G. Dennis, manager of the Cre- dit Unlon League of Prince Ed- ward Island, and Dr. F. W. Patter- son, of Wolfvllle, N.S. Rotnrlan B. Graham Rogers presided. Fol- lowing is the text of Rev. Father Francis’ address:

Thinking men everywhere are gravely concerned about the unrest in the world today-an unrest which is by no_menrr| of recent origin, but which has been piling up for generations, which has been cilmaxed by two world wars with- in the memory of one generation and which threatens a third world war: an unrest which has been and is the breeding ground for these lniquitious "Isms" with which the world has been plagued, two oi which it took the bloodiest war in history to subdue, and another of which, Communism, is still ram- pant, actually rearing its ugly heed menaclngly over humanity.

To us who believe in true democ- racy and all it connotes-the four freedoms-Communism, as a way of life, is unthinkable. Therefore. we are prone to rail against it, and to cry out for means and measures whereby its insidious machinations in our midst may be exposed and suppressed. But to make "martyrs" of Communists is but to give fur- ther impetus to the growth of Communism In our midst. Railing against it and bewuiiing its growth. will be of no avail if we do nothing constructive to remove from the world the unrest upon which it feeds and thrives.

Communism makes capital of this unrest, offering people here below an earthly paradise, but skillfully hiding from them, under the guise of their pseudo-democracy, the fact that all the good things of earth they offer them are at the price of their freedom and their dignity as free men.

What then is to be done‘! The

Communism. but to give it to tllcm in an cconomlc structure that is truly democratic-give tllcnl n way nf llfc which will remove the causes nf this unrest among them and at the same time conserve for till-m llrcir God-itivcn right to true lili- crly---the four frccdoms as outlined by the Atlantic Charter. Therein lies the solution to our problem.

.l

S E S

Christian (Jo-operation

To that end we must work to- gether, baslng our endeavours upon Christian principles; working to- gether with service to one another, not selfisirgalri} as our motive; do- ing for ourselves the things that for generations past we have been depending upon the few to do for us, and complaining because thc few did not do them to our way of t liking. 1t is obvious that by doing these things for ourselves, we arc going to do them in a way 111M l! fair to ourselves. It is my PUTDOB‘! this afternoon to show you that the Credit Union is a school in which the people can learn to do just that. How are we to learn to work to- gether for the common 800d? Ci“ tainly, we cannot learn it. over- night, but the quickest and best way for us to learn it is to begin doing it. At first thought this statement might seem to be a para- dox. But if we stop to consider, the best way of learning to do B thing is by doing it.

We might for example spend days in teaching a person the theory of driving a car and stlli_he would not be able to drive it. But put him be- hind the wheel, sit beside him. show him what to do, get him to do it while you supervise his act- ions, nnd it turns out to be a sim- ple matter after all. We learn by doing.

As our first lesson, then, what shall we do? Obviously it must be something ln which everybody ‘ll interested; otherwise only some l particular class or group will barre- fit by lesson. What ls everybody. without exception, interested in’! The answer is money, and since the Credit Union rlculs in money, our first lesson must be tho Credit , Union.

S

C

l

Wrong Conception

Unlnformed persons ihlnk of tho Credit Union as just another lonn company set up in opposition to our chartered bunks. Nothing can b0 farther from the truth. The strongest argument against this wrong conception of what a Cre- dit Union is, is the fact that some large banks in the United States actually encourage their employees to organize Credit Unions among themselves. But just precisely what is a Credit Union? It ls a cu- operative eociety, organized under 1 provincial laws, within a specified group of people, for the two-fold purpose of supplying the members of that group, with u plan of sys- tematic saving and making it pon- sible thereby for them to take care of their own credit problems at a legitimate rate of interest.

It will be noted that it. ls a co- operative society-that is, that the members of the group work to- gether for tho common good-not for profit, but for service to one another. Al a protection for the Individual member, it is organized under, and has the supervision of, the law of the land. It,is organ- ized within 0 specific group, or among people who live in s speci- fied territory, so that all members knowing one another are bound by a common interest, and all share alike with no preference to any- one. It is designed to inculcate in its members the habit of thrift. This it dose by obllglnl; the "nem- berl to save regularly, weekly. semi- monthiy or monthly, at least, n

y_fl_‘_ljE____G_UA,_Ril)glAN. A CHARLOTTEIQWN

Credit Union Movement Reviewed At Rotary Club

“The Credit Unlon-—a first stepl

periods of “booms and busts" with which the economic world has been cursed, and lessen the burden upon the taxpayer by lessening the need for social relief. ‘

fund which can be used to provide credit to members for and productive purposes~—that solely to help members in needs and not for profit society.

Credit Union, and that ls its social significance. societies for mutual help, and this mutual help is exercised by members, regardless of class, color

or creed. Thus racial, religious zzlflwzjlrlesstlonngiélzagh; Zlfctlirggd f; and social prejudices are broken down. The Credit Union stands

for social justice, but since social

minimum for the common good, the Credit to include social charity.

good will towards all; it-givcs mo- tive power to mutual cooperation; it inspires men to devote

it goes far beyond the exactlons of

who is actuated by its spirit be- comes unsclfish, helpful and co- operative, in all his relations with his fellows in society.

a right social order and these two must become the basis for the re-

calls upon its members to exercise these two important virtues. can understand, therefore, why the Credit Union is said to be the "ex- pression ih the field of economics of a true Christian spirit and n high social ideal."

day in Prince Edward Island with assets of

ers of a million dollars, saved for the most part by poor people, who would not have saved it otherwise. These same Credit Unions their members, for provident and productive purposes over 000, since the movement in this Province, in 193G

cases to people whose position was such that they would not have been able to borrow other- wise. from their own savings and the

their own instltutions-dnstitutions

one shall receive any salary for services rendered, except the tren- surcr, and he only when a notable part of his time is taken up in the. exercise of his duties, thus kccp-

ls possible to turn bnck to members an a rebate, year by year. over- charge in interest.

large sum of moncy.

rowed moncy" some critic observe. by the Credit Union law, every cent of these loans was for provi- dent or productive purposes. Credit Union may, or will.

money for extravagant or wasteful purposes. alder that this large sum of money was lent to buy needed farm mir- chlnery, to make necessary repairs, to buy fertilizer and iced, to buy

homes, to pay off mortgages. pay ilorpltnl bills, to finance chil- dren's education, to pay insurance

NORIH AMERICAN ilfk l.. S. STEVENSON

BRANCH MANAGfk

I40 RICHMOND ST. AMUTUAI. COMPANY

habit of thrift. It is of particular importance that children acquire this good habit, particularly at the present time when tire Family Al- lowance makes it possible for par- ents, after providing for the chil- dren ull that is necessary for their proper diet, proper clothing, educa- tion and recreation, to give them at least a small portion of the month- ly check to put in the Credit Un- ion. From actual observation. we know that it is amazing how rap- idly children's Credit Union ac- counts grow, thus ensuring for themselves that they will not, as so many before them did, start out into life from scratch.

Tub-Fold Object

Creating this habit ha! n two- fold object-orle is, on the one hand, to prevent inflation during Prosperous times, by eliminating the squandering of money on non. essentials; and on the other hand. to build up a reserve that will come ln good stead in depression times. As a matter of fact if this habit of thrift were universally practiced it would do much to eliminate the

The other object is to crests a provident

their to the There is still another side to the Credit Unions arc

all

uslicc is satisfied by the bare

Union broadens its scope

them- elvcs to the help of others: it puts elf-interest in its proper place and tresses service to one’s fcllowman;

ociai justice, and. therefore, he

The two, social Justice and social hnriiy, must function together in orm of society. The Credit Union

We

Development In P. l. I. There are 53 Credit Unions to-

nearly $700,000. Just rnatzlne, that is nearly three-quart-

lent

$2.350,-

inreptlon of the

This amount was loaned in most financial It was loaned to members ntercst paid was used to finance

n which the law provides that no

ng expenses down so inw that ll

$2,350,000 ls a

"Teaching people to live on bor- might

Not at all. As required

No lonn

In proof of this, con-

ishing equipment, improve

l0

to

specified amount-it matters not how small.

The thlrrlrh. that this regular systematic loving does create the

‘ YORK. P.I.Z.I. _

premiums, etc" etc.

people in carrying on their ownl money business can solve their own l financial problems and move one of the great causes world unrest. do not merely carry business; they do not lose sight of the fact that they are not merely i banking institutions and they there- ' fore take a keen interest and miti- ative in every movement community for its wclfura l

are available to all members any Credit Union no matter howl small. There are a number of IQ!‘-

vices, however, which Credit Union; cannot of themselves give their members. those is Insurance-a for a. true economy should» be with- in the reach of all.

the which is a sub-division of the Cre. dit Union

ommonly known by its initial let. ters—CUNA.

the Credit Union Leagues ln Am. ericn, which Leagues are selves an association of all Credit’ Unions in each province or state 1n America. membership in the 000.000. This getting together is. mark together for the good of all to give members an insurance ser- vice which is Time will not permit to go into all tile types of this service provided by CUNA, but I'm sure you~ will br- interested in two types known as Share Insurance and Loan Insur. ance.

Share Insurance that for every dollar a memberl saves, up to the age of 55, he auto. matlcally has one dollar of Lifo instrrance, over and above his sav- lngs. tween the ages of 55 and BO, he is insured 75% Insurance; between 60 -

. _ - and 55, 50%; and between '55 and Social chant) is a carrier of 7O, 257k The maximum insurance

gr this TYPE 1'5 $1.000 for each mem- er.

Then there is Loan Insurance. This simply means any member’: loan up to $10900 m automatically; $150 giving him $75 insurance, and insured, so mag a; m, death meflrom 65 t-o '10, after which sav- lsllngs are not insurable, ,$l00 which gives him $25 insur- lallce. This makes a total savings {of $1,050 and gives him $850 ln- ' surlmoe. Now suppose at. the age