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` rr-In onA.RLo'r'rn'rowN GUARDIAN MAY 31-, -1,15. -_ _ ’

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Hair Brushes And Combs

There has been a great’

increase in the cost of Hair Brushes and Combs during the _ last few months. _It _rs ha_rd to get anything m this line at a reasonable price t0da\~ y. --

We just 'received alot

which were. bought be- fore the rise and e clearing them out at a special price. The brush retails at 75c--the comb 35c-and for a short time our price for both will be 79c-Getin on _this- it's a snap. .

E A. Foster

Central Drugstore

A BOMB FOUND UNDER E

RAILBRIDG

NASHUA. N. H.. May 30.--A bomb

three feet long, containing a quantity of dynamite and other high explosives was found under' the Boston und .Main railroad bridge at Barring-ton, on the Worcester, Nashua and Portland div- ision. by railroad employees Saturday The discovery was"re ported by offic- ers of tho company to federal author- ities and an imrned'late investigation was begun. The authorities decline to give any details regarding the bomb. l

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.I N.-4

- 'may be drawn by buyers in any part

Cooks and Stewards wanted for the Cana- dian Naval Service.

Cooks, age 18-50, experienced. Pay $1.10 to $1.50 per dny and $25.00 . separation. Stewards, age 18-50, well educated; pay Sl.i0 to 31.50 per day and $25.00 separation-under usual conditions. Boy Stewards, nge 16-i8, well eduonted,50o. daily,no separation.

Free Kit, Free Messing and useful service to the Country.

Some vacancies also lor acumen and other ratings. Appl? 4'*

Commanding Officer,

H.lVl.C. S. NIOBE,

HA|.|FAx,' N. s. or Naval Recruitin Secretary,

MllRlNE_|llSllRiNi}l

Address by Hr. J. 0, llyndmonl

At the Rotary Club luncheon yester-

day. Mr. J. A. McMillan presided. and Mr. J. 0. Hyndman gave an ad- dress on Marine insurance, a ‘ busi- ness in which his firm had been en- gaged for 40 years. He said:

The service performed by Marine

Underwriters is so broad and compre- hensive as to make any detailed con- sideration impossible in the short time at my disposal. I will endeavoroto. state as concisely as possible some of the most important features of Ma- rine Underwriting and its close rela- tion to the commercial development of the world, and the very important part it has taken in the great world war.

Marine Insurance is the oldest form

of indemnity known. lt is generally supposed to have had its beginning about the 12th Century, with the com- mencement of commercial activity in the Mediterranean, but unfortunately little is known respecting its conduct at that time. English authorities tell us that the Lombards introduced Marine Insurance"into London during the thirteenth century and a form of policy is described in n Florentine Sta- tute of about 1500 A.D., soaring o very remarkable resemblance to the policy which has been in uso in London since the latter part of the sixteenth century, when practically all of the. countries in Europe estab- lished rules and laws for the govern- mont of Marine Insurance. At that time business was done altogether by individuals on what we know today as "Lloyds" plan. The first stock companies organized for the transac- tion of murine insurance business were chartered in England in 1720.

It is an interesting fact that the de-

velopment of Marine Underwriting in any particular country will always be found to run parallel with the growth of its merchant marine. The in- fluence of Marine Insurance on the commerce of the world in general re- quires no extended discussion. No business concern whether corporate or individual, conducts its affairs to- day without some form of Marine In- surance. The Exporter with Marine Insurance Policies attached to his in- voice and bill-of-lading, can obtain an advance from his Bankers approxima- ting the value of the shipment. The Importer, through the protection of Murine Insurance, can have letters of credit issued, against which drafts

of the world.

The part Marine Insurance has play-

ed in the present great war, must have impressed itself upon all by what has been written on the subject ol' war-risk insurance. the importance of which can best he illustrated by the fact that Great Britain. practically on the very day she declared war, es- tablished a Government War Risk Bu- reau and culled upon leading murine men in Great Britain to direct its af- fairs. Without this Government Bu- reau, war risk rates would undoubted- ly have been much higher, which was fully warranted by the great hazards. caused largely by submarines. The British Government appreciating the

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` Gragllelafr

\‘ #"1-f//callll

/ix i` 'mo ,tri 1 to

t ri n rs eo or

n§°|i.'i'f. itll fsioovioahissi-.llc-sa if s sfhlfa. sing is not n dye. onerous sired bottles at sll du ers ready to uso Philo Huy Co., Newark, N. J.

279 Wellington St., Ottawa.

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CLASSIFIED AD

VERTISEMENTS

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/ :nm 'Q

I f AGENTS WANTED

AGENTS WANTED TO SELL FOR

"the old reliable Fonthlll Nurser- ies." We teach our men to sell. Experience nun cessary; highest commissions psig; handsome free equipment. Stone & Wellington. Toronto. 47347-5-1ME1mo.

PORTRAIT AGENTS, A NEW LINE

of proofs. first class flnishod por- traits, framcs at lowest prlces_ Cali or write Unltod Art Co.. 4 Bruns- wick Avo., Toronto, Ont.

' 5093-5-2lTueME8l

_ _ 'rourr

TO LET, HOUBE, SHOP AND BARN

Good summer residence. Apply W. Moresldo, North River.

7065-5-3ii\i2l

DOUBLE TENEMENT HOUSE FOR

sale at Public Auction on Wednes- dly. Juno 5th, 1918 at twelve o’- clock. noon on the premises Nos. 41 and 43 Chestnut Street, Charlot- tetown. Gaudet & I-Iaszard, Soli- citors etc. 6055-5-24M10l.

T0 RENT Funnsuzo House A1'

Brllhton for summer months. Apply Guardian Office. 5048-5-1‘lMtf.

_ MISCELLANEOUS _

‘ WANTED HELP-

FEMALE

GIRL WANTED AT THE ROYAL

liotel,»103 Richmond Street.

7042-530tf.

' _I

WANTED A GOOD PLAIN COOK.

Wages $18 per month. Apply to Mrs. A. E. Duff. North lliver Road, Brighton. - 7038-5-30M3i.

WANTED.-AT ONCE A MAID FOR

general housework. Apply 233 Queen street. 6099-5-28M3i

NORTH ADAM* HO8PlTAL.NORTH

Adams, Moss.. ,offers n three your course of training for young wo- men who wish to outer the nurs- ing profession. Six months of this time is spent in Mt. Sinai Hospital, New York. City. Applicants are ro- ceived ovary three months.

2485-3-Blltf.

leg=

' Losr

*LOST LEATHER POCKET BOOK,

containing fishing tackle. Finder please leave with J. S. Wcdlcck.

7060-5-31M3i.

LOST-FROM JORDAN'8 RANCH,

Murray Harbor, blaclr fox with tip off onsjhind paw. Reward offered. Willard Jordan, Murray Harbor.

7048*-5-30M3l .

BEND A DOMINION EXPRE88 MO-

lley Order. Five dollars costs three cents. - 7034ME1l.

DOMINION EXPRESS MONEY OR-

ders for five dollars costs lhreé dents . _'I049ME1i. E . . _ _

HELP WANTED--MALE

TEAMBTIR WANTEC. -- A RELI-

sble teamster wanted at once. A2 Horne & Co. T050-31-M8i

WANTED, -BOY TO LEARN BAR- l’°l'il\S. Apply to Jack Riggs. Queen Sl- - von-s-souzi

if-lam-mul

y FOR SALE, __ ron sau--'rlN‘r lnlsntv new)

Milli! Mrs. T. (fhowan. R. R. No. Charlottetown. 7036-I5-!0M3f

l wI4`l*l?’li'l'.C §'<»"t ~ »o".,};.»°'<."_- rn _`

LOST AT THE FlOPLl'B THEA-

tre. Friday afternoon, an orange velvet girdle. Please leave at Guar- lfan Office. 7035-5-30M2l.

LOST SOME TIME AGO, A 8PlRlT

level, between Hunter River and Brookfield. Finder’ leave at D. N. MacLeod’s, llunter River.

7036-5-$0M2l .

W A.\1'I€l\

WANTED, A FARM HORSE 1000 lbs.

or over. 5 to 9 years old, quiet and broken to autos. Address Box 20. Cardigan. R. R. No. 5. 706-l Wyitnrfso-A uint Fon osurnal.

housework. Apply 221 water st.

eooas-zsmwk.

WANTED.--A DINING ROOM

2 3 F

great importance of this to their world commerce, it is believed, have been willing to conduct their War Risk Bureau, at least .ip the early years of the war ,at a. considerable loss. Other countries, including the United, States, recognizing the value oi a Government War Risk Bureau. as demonstrated by Great -Britain, es- tablished a similar departments for the protection ot their own vessels. The result of this undoubtedly has been that commerce between the na- tions was largely stimulated and main- tained at a comparatively small cost to the Nations themselves.

Any paper on Marine Insurance

would be incomplete without a refer- cnss to "Lloyds" of London, the word “‘Lloyd's" being most frequent- ly used in connection with shipping and underwriting affairs. We are told that it has all come down from one Edward Lloyd, the owner of a Coffee-house in London, about 1690. which was a sort of a Meeting House for shipping men and merchants ge- nerally, during the last half of the se- venteenth century. From this simple beginning developed the use of the word “Lloyd's" until today lt is al- most universally understood as hav- ing some definite relation to marine affairs.

The sole object of the contract of

Marine Insurance is indemnity, and two important features are General and Particular Average and these are best explained by leading authorities.

GENERAL AVERAGE-The law of

General Average in Marine insurance is n law peculiar to the sea and whose foundations may be said to be bedded in equity rather than in statutes. lt is one of the most ancien- laws in the world. being established long be- fore the Christian Era. providing that what is sacrificed for the benefit of ell in a sea adventure, should be made- good by the contribution of all.

Three things are requisite and ne-

cessary in order to constitute a clear case of General Average.

1. An imminent and overwhelming

peril, common to all interests ln the adventure-ship, cargo and freight.

2. A voluntary sacrifice made of

some part of the adventure whether ship, cargo or freight, or an expense incurred for the purpose of avoiding this imminent and otherwise unavoid- able peril.

3. ‘The sacrifice so made must

achieve the desired result of safety. at least in part.

The simplest. oldest and clearest

case of General Average is that of’ iettison of merchandise, to lighten a ship in danger of being overcome by the violence of the tempest. The underlying principle of General Aver- age is that all who are interested in the adventure should contribute to m_aks good for the loss of one whose property has been sacrificed for the common welfare. Therefore a Ge- neral Average Act having been per- formed, and a General Average loss having been sustained thereby. when :ho vessel arrives at her port of des- tination, a General Average Adjust- ment is made up. which distributes that loss equally among every interest in the adventure.

PARTICULAR _AVERAGE-A l"nr-

cular Average Loss is u partial loss sustained by the particular subject matter insured, and caused by the pe- rils insured against.

Marine is the most difficult branch

of Insurance to learn or to carry on with success. It takes years of ex- perience to get familiar with its terms and conditions. Af true knowledge of Murine affairs is not only essential in affecting a contract of insurance but most important when a vessel meets with disaster.

ln conclusion I may say that there

is no doubt but that Marine Insurance exercises a very great influence in conserving life and property. Marine Underwriters have always been to the forefront as originators and ac- tive supporters of classification regis- ters, which provlde rules and regula- tions for the construction of- vessels, and subsequent regular supervision. thereby insuring structural strength und a maximum-of safety.

CAILLAUX ENQUIRV DRAWilNG TO A CLOSE

PARIS, May 30.-The enquiry into

tho case of ox-Premier Joseph Call- luux. under arrest charged with “in- telligence with the enemy," is said to be rapidly drawing to n. close. it was on December 23 that Captain Bouch- ariion, judge advocate of tho third Paris court-martial, was instructed by Gcn. Dubnil. Military Governor ot' Pur- is, in open an enquiry concerning Coil- leuux. A few days hoforo the general had risked the Chamber of Deputicsto waive Caillaux's Parliamentary lm- muuity in order that he might bo triad for treusonable dealings with tho on- omy. Cnlllaux made a long speech in the Chamber defending himself. bui- falled to prevent an enquiry. Since then the proceedings have been con- ducted with the utmost secrecy. Call- laux has been heard several times and hundreds of witnesses have been call- ed. The former Premier will be* heard for the last time in a few days. when his lawyers will be allowed to be pre- sent. Caupt. Bouchardon will then :lraw up a réport and send it to (len. Dubail, \vho will decide whether Call- iaux shall be tried by court-martial or by the Senate sitting as a high court. The case is not expected to come up before the end of June or early in July. ’

w~Safet§' Deposit _, . .oxes

Place you- "-Jictory

Bond in a Safe- _v Dep- osit Box with yo r own key in our fireproohvault. , Rental very moderate $2 00 oeraunum.

Cali and examine. '

Eastern Trust

CH B. _LONGWORTH Acting Manager

- 154 Richmond Street

Charlottetown.

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Th_e.` _Canadian

ankers’ Associatlon _

Invites the Co-Operation of the Public _ -

on Behalf of the Banks

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Staffs Heavily Reduced by War

MORE than half the men in the banks of Canada are now on I ` military service, and the number which ' remains is being

steadily reduced. -

- Women clerks have been employed in thousands and have . done splendiclly, but they have not the experience of the men they

replace. It would be out of the question to expect them to work as .

rapidly or with the same knowledge of banking as oflicers of many years training in the profession.

' The drain upon the number of experienced officers has now

reached a point where it is necessary to ask the public to take -'into consideration this decrease in efficiency, and to lighten, as far as" they can, the burden thus thrown upon those left to run the business. Canada was never so busy as now and the volume of banking

' business is greater than ever before. _

How the Public Can Help

Transaét your banking business in the moming as far as possible, '-

and as early as possible. Try to avoid a rush at closing time. l

` Do not draw any more cheques than are absolutely necessary. Instead of paying small accounts by cheque, draw the money in one < amount and pay in cash( _ ' ' _ _ A

Change in Banking Hours J une lst. _ _

On and after June lst banking hours will be; 9.30 to 2.30; -

Saturdays 9.30 to 12.00.

This arrangement will give the staff more time to complete the

large amount of work which cannot be taken up until after the

ofiice is closed to. the public.

'Special Services Discontinued July lst. » V

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Certain services must of necessity be discontinued, for a time .

at least.

On July lst banks will discontinue receiving payments for tax _

bills and the bills of gas, electric and other public service corporations. -

. -,-

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_--_ ;,.' P .o

The banks desire fo renaler all essential services including many _ special ones arising out of the war. In order to do this they . _ make this appeal for co-operation in f/re manner suggested above 3

Apply Rovers Hotel. 0096-I

sour. -sarwsis

_ VICTORIA HOTEL.

S. .C. Clark, Mt. Stewart

Billy Mundey. Toronto

C. B. Morris, North Rustfoo

J. L. Heath and wits, Toronto

W. P. Kearney, Montreal T. Murphy, wife and child, Tignfsh N, S. Drew, Liverpool. N. S.

J. F. Fraser. Halifax '

C: A. Colo. Sackvllle

Adams. Saclrvillo

. Mczuire. Sackvlile. . s. R. B. Vs.nDine. Fredericton

,_,,§,€ 1".

EJ Boutel, Boston

A. J. Brown. Winnipeg

Mrs. J. M. Martin, Boston Mrs. W`. C. Wauchope, Atlanta.

60ll§ll ‘

Donald Whuchope. Atlanta, Georgia A. 0. Harris, Newfoundland

Roger Mills. Boston E. Donslds. Kinkora J.' Burke, Kinhora

W, H. Prowso. City*

J. (E. Phennsr, 'toronto HRV. Vaughan, St.-John

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REVERE HOTEL.

J. Clark. Kensington Jenkins, Georgetown H. Bsarlieu. Montreal

F”P’E‘?’1“‘F“C'1F¢ 9?"-.“‘

ohn MacMillan, Montreal P. Lemon, Halifax

MacNevin. Bonshaw Peters, Sumrnerside

I-liltz, Kensington

Mrs. E. C. Hiltz. Kensington Margaret I-llltz. Kensington '

Vous MacLean, Summerside

Bernard, Summerslde

vlm.”t. sz No PEAcz

in ras cAucAsus

MOSCOW. May 28.-The opening

session of the peace conference be- tween Turkey and the Trans-Caucam ian Government, held at Batoum on May 15, resulted in great dlssenslon, and it is indicated that Turkey has greatly extended the demands includ- ed ln the treaty of- Brest-Lltovsk. Tur- key _ls now demanding Novo Riosoysll. together with all the ships and war

supplies there.

e indications are that the nego-

Paunne mhz' Kensmgwn 9 liatfons will soon be broken off as

Wm. Riley, Baltic

R. Grey, Halifax H. F., Morton. Penobsquis, S. Levine. St. John S. Davey. St. John Wm. J. Burns, New York Miss E. Burns. New York R. M. Copeland, Toronto.

QUEEN HOTEL.

Germany is apparently encouraging

N_ B Turkey in demanding concessions

which the 'Trans-Caucasian! cannot grant.

The city of Novo Rossysk. men-

tioned in the above despatch. is a seaport on the east const of the Black Sou. lt is a shipping point for petro- leum. Its population in 1897 was 16,- 208. Novo Roosysk is just east or the Strait of Kcrtch. which connects the Sea of Azov and the Bleek Sas.

H. H. Carr. Truro lit is for to the north -of Ksrnhend. Mr. and Mrs. C _ L. Weller. Lex- Kara and Batoum, given to Turkey by

ington. the Brest-Litovsk treaty.

A. L. lllisenor. Lexington

Byr n Bsgnall. Kensington ~ W. 1'. . Weir, Stanley Ask for Mlnord'o end»t\ko no other

-4'. A

Missionary Susie 33rd Annual C

ST. STEPHEN, NL B., lilly $9-I-~'

The 33rd annual meotinl of,tho.N`ow Brunswick and Prince Edward lslhnd branch of the Womsrrs Millie' , _ .. society was .opened hers y¢»bA§;..... 5 with sixt-flvementbers enrolled ’ m‘~” -

'sn sms or tus proviso-s sau some '.' ‘” ‘..

from P.E.l. _ .. .Mrs. Chas. Sanford of Bt.-Johii, ___ president of the society. li prosldlhi. - The executive met in the morning » ‘ and the regular sessions were ooh- " " unusa uutn Thunder aftsrnooi. ' `

Very interesting public mootlnl '

sro held each evening. when till ' _ ' claims of the missionary work.. _hro_ » ~» ,-.

presented by Miss Hartt and _M;o`l_" '_ Bird, returned mfssiorg:-iss from _ s- 3:3. and musical num 'ri sro `provl» I- ~

All the sessions are open to the -_ _

we and the attendance las i|oot\~_ 3;- I--_I

»‘ 1.

£5 _ z' = rg;

3 I sg 25°F air iss ‘ii

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