.. _.. .i"?__i.3!!é3¥!£i,' 5 WW1.‘ ; QUJQRDW‘! rAGE FIVE __‘f-.__ . ‘f...’- __~_,_.. BETH‘ ‘ . Glurlottetown. EAIJTB!“ and Mm Qnubhifl‘. I- tlhe Prime M“ 17, 1M6. to w; Mfg, J. C. Blltlfl’. mum,‘ snmmersldei at tfllvll-n - U l BAXTEll-"MAL yghiblghta; and '~ 5pm!‘ but? Bdxter. (nee l-lll‘ ; lgirsmielgg) 5 daughter, Dorothy ~ EC 5 “when” n, Pride county ': Rimisflyfix lit, i946. 25> w. and . fioiwliimbhtnmnfly Hlunilton. e " ~ - Grace. daulillg'jmgtlatile Kings County ‘Ania; Montaktlt. P-EI ' on fifosplto 3,45 m lvrr. and Mrs. Joules $3,, ‘B...’ Point. P.E.I.. a son. ' wtlllarn Edw"d' . ,1 y _ At the Kink‘ WWW’ Montague, .3 L. on no - M4“ “'55. i3“ .35’? GmvfifhltiléevCKlil- Sim co ' '“"' ,3 dull! ' . t . ‘ “Al. tile Kill s OOHHY , Mmmlgue. on May . ‘p45 tn Ml‘ and Mrs. Leslie kiflrln "Murray River. P.E I . l. f/Jli. , , i _At t] King s County .l.-tlllgslolfzldontagueiep El m May llsoslilttitf to Mr and Mrs Alfred ' ' ux, P E I . i. 4“u“‘,";‘f§§‘_' Aigfiigfrevivlnniflted- . ‘m g At the King's P E .1 Julurs PEJl. . _ At. Port Aibernl. Qilclbéillfala. to Mr. and Mrs. R. N, ‘slnclalr lrlee Phvlllt F051") *1 . s0"- 1 ‘MARRIAEES "”'T7{J>s glfsglzaftetovn on Saturday. MW 18 1946, by Rev. G. Carlyle Web- “l, Ming Jessie Ida. Rose to Mr. Hmy Sourgeon Dixon. both of 71.15‘. Baltic- (‘QIlSINS-McKENNA - At Zion ‘ plnnse, Chariottowwn on Frlda . . u... l1. i946. bv Rcv- » 9"" . wek9m_ My“ Qhjg-ley MeKcnne. of m. Valley w Mr. James lit-land 50mins of Brcadulbane. ~ sro-rr-routvn - Al. the Beptldl church. Charlottetown on Monday. April 22. mo. tzv Rev I 49,135‘? Levy, FVllghi-Llcllfflllfl-Ztlt Ha-éihry is!” (R A p1) ql Birkenhead. 85 - Emu“; m Annie Beqnim Pound or °““‘°...”.‘i’.‘°“.'.“.=..‘1f‘ .. tho §.‘.’.§‘.";. M1151.) Phoebe Pound. l1 Orlebar st. Qhorkégihetown (fir; hi0?- "a y, April 32. l . l’ V the... ltevl’. new New 033;“ North Bay, Ontario to Vera A g8 Mwgnugnll of wariottctovnl. l E I. . _ RQQBY _- At the homo ‘ gfiw- paN-Jllfi, Bonshaw. tm sauwda“ May 1i, 1946. by the Rev. c A lliclts. Colin MacKenzle M“? mod to Lpabql Bertha 0mm’. Will 0t Bonahbw. _ ' gpnNARn-MMKAY - Presbg ieriiln Mgnge by RCV. J. A M on ‘meaday. Mlvy Htlh. Mlbs Charity HPearl, d-nushw vi W , w“ M“- ‘pm Maolmif. Graham“. m“! M‘ marvel-ink Motrrlrun. S011 0i! MT- and w, William Bernard. Fbellm Rivd. DEATHS muggy...“ the home 0i he: daughter. Mrs. Wallace Hvfit (wit. lral Bedeque. Sunday. By ~- low Mn Willard Green. axed 81 m’. ruunn Tueldly at i! Ob-liwk- ntorinent in People’; Cemetery. Bummersido. um m r M“ N~At If "t - Li’ Johlmton. B501‘! 76' Vmm mmeral from the home oi ‘Alan a. Campbell, Wednesday ,4, 3 DI), lnterlneint. Caddie Mem- orial cenletery. DAWSON-At the Prince County’ Hoapltal. Mny 2o. 1946. Mrs. Amos Davison of Burlington. owl '1" years. Funeral from the home _0_l her ncphcw. James E. MtNclil. Spring Valley, Wcdncsdli)’ 5! 1 P- g,,,;~;;;;.m~1= and“ toner‘ a“. "élfiilfi uh‘: la acor-r-lt Ohildrenc‘ Hosolwl- ' “In” I-Ifllifax. on Monday. May 3°- 1946- Mia. Catherine Dooherty, New John Percy Scott, infant son of Mr. and Mrs. John Scott. aged l5 weeks. Funeral Wednesday at pm. Standard Time. from 0011i)?‘ ton'a Funeral Home. Summcrsldfi- to Norah Bedeqtle Cemetery- ln Negotiators ln l In: m ory of m: kiwi ltlmlldovll. v.13, killed ill will"! in Italy, May 20th, 1944. What would l give your hand to clasp. lluur happy flu to loo; hear your voice and sec your i smile, \ lint meant. so much to mo. Fondly remembered hy Wendell l-Illls, Northum. - l-l , _ln Memoriam ... In loving memory of Everett ‘"...'5Wfly. Crupnud who paced away ewe ' , DD‘. E688 "l 1AM, K i - it!“ 2M ‘m. a ' h 6th Riileineilllsrlhg- NI. -. neat ii"*5=~‘l=‘-‘-f“=.“'.':.r"’ '"“ ........~"’t:*..'.r-~.....‘r.sl~ar:: my" h" "' "i" l” °“"~ n voum mm he wed-low wcstrrn w° ""1 Ilwnyn tldnk of you. 5m], m", M I I l _ HM, Alta. He was employed by ‘Ifllllbcredmhy h|§.n‘|\en:; “Mk3. ma Canadian Pacific railroad for J" “m, M“ almost tom gleam as a carpenter. ' ‘Awormun atmodemnot lobe "-31-" ashamed". Flolkvwlng nlu rvtirmlent ' ————— from the m‘ . he returned to ~ - “an “stomach “s: l“ , 5 l‘ - 5.: In M05020 ‘am I Ma n and Mllllli¢ " . plbell. . Mnclnod was tr- omm. than hill?’ ‘ kihid and , 13h“ synod one".gena ori- .~ n," "Mair gm J0! l aolnullty and u glristlan ontlnmon L 1mm’, u") o," i m’ ofumnl wuheld on edmsdlrty , l! M" ' 8th. in the momnbfrcngarge ‘ "no n. y, n with}. dint wr- IIII‘ ‘ ‘ w memory in‘: m" vice thence to the Preshvtcrlan 0 Hill; ‘m, w,“ h. . Kemimum. where .11» Se" n never lam‘ ' vice wu oonduotod Dy hit Paint? "l?! and Jerry, ' cliffs: N Montreal. ' ‘ - ‘ t 5 urns 80mm! ihe ltvn-u guns vcr. 5- .1_ N- D- Matti-m. unomlrllaili‘ Garnet)’. pistol‘ of the Prekbyter- at and conducted overpass for six wall Y.P.U met a-t the veterans is probably not exceeded by any other province in Canada in the opinion of Premier J. Wal- s chased farms in the Province. Al- most u great an interest. the Pra- mler said. is being taken by rl- nmnlc d veiopment of the Prcv~ tnce. the Premier lflid. been called clue tn the illness of his New York on Wcdnmday for Eng- liaven. left for Mollltreal Que, son, Sgt. who is seriously their Jean. Milian leave today to attend lhe commencement Francis Xavier tigonlsh. where Dr. son. Hugh Allan MscMlllan. is re- gylng the degree of Bachelor of e daughter Mary are attcntiinl: the commencement Francis Xavier daughter Miss Mary Eileen Mac- Phce. is receiving the Bachelor of Arts. In Memorials: Canada m» me lived at Medicine lflnfc My Sh " "All tht‘. WHY gllvbl!‘ lmflihhctqwiigy BEIITML GUARDIAN This column In reserved for new! of foul interest. but ndvertkin of a bony nature may be lna live cent: n word. strictly p". sblo in advance. CBASWELL fol photographl. CON FED ERATION LIFE IN - SUBANCE. o HOWARD M INNIB for Fitlgd Footwear 2-94 stt-tf, ATTENTION-qua Cheat clinic or X-rlys at Provincial Sanitar- ium-Frlday. May 24. 5-l8-2l-2i MAKES SOLO FLIGHT -- Mr. Robert Holman, Jr.. Chariotielgwn, made his first solo flight yester- day afternoon from the local all:- port, He has been receiving in- struction from the Paul Sharpe Air School s: the airport. ATTENDING DENTAL ASSOC.- Dr. D. Trevor Waye leaves today by plane for Toronto where he will be pwovinicul representative at the annual meeting of the Canadian Dental Associa/ticn. May 22nd to Both. The National Dental Conven- tion from May 27th to 30th will follow the C.D.A. meeting. CONDUCTED DEDICATION UIIEMONY-—-The Rev. Ch "s inn Church, Summerside. presided the dedicliiorl ceremonies m Sunday of the Wood Islands Presbyterian Church. Mr. Carnegy is moderator of the Pres- bytery of P. E. Island. RETURNS HOME -— Bdr. Aloy- sius Steele who was all-long the glassware arrivulg in Halifax by e Ile De Wanoe arrived in the 01W t. accompan- on Saturday nigh icd by his wife “rho met him in Halifax. Bdr. Steele who served ~ears spent thirty divs’! lfllve at. his home here in Deoembela- whilst he signed onflfor n a-Imy occupa on fences. He is now home for charge. He ls a brother of Ray and Fred Steele of this city. CORNWALL Y.P.U.— The Corn- bonle of Mzr. and Mrs. n Mumuy on Friday evening. Ethel Drake led the dlavotlmm service. Gordon Boyle presided nver the business period and Elms were made for the play wh will be held soon. The lecmation period was conduct.- ed by Mamba Boyle and Stanley G l-ey. rexuuirlder of the time was a in practice of the at ing. . av and committee served a. delicloile lunch and the singing of Aluld Lang Sync brought a. peasant evening to a close. RETURNING T0 LAND -- The back-tc-the-islld movement on the part of Island VETERANS tor Jones. The Premier said last night that by next. fall between 700 nd 800 veterans will have pur- turned men in the fishing indus- try. Many of them are now engag- ed in lobster fishing and are con~ trlbuting considerably lo the eco- Personals Dr. W11. Sober left. yesterday Lftamoon for l-laltfax where he has mother. wh will u d - ation this geek. n ergo m W“ lvnns. Llnn .3715. sailed from Saturda morning to be with her J R Dochel-ty ill in hospital She W84 accompanied by her Hon. Dr. W. J. P, and Mrs. Mac~ exercises at St. University. An- MacMiliams nce. Mr. and Mrs. H. F‘. MacPhce and exercises of Si. University. An- lgonlsh. on Wednesday when their drglree of MR. BDGAK MAoLI-IOD At Prnoe Oauniy HQvpii-al, Summer- dla- 1n A intnrest-trlg week when iinembcr-s acted and obtain other Rn something uke Please", the ' Cimndler drawing tho from u box and call nremboc‘ lain ed. fill defeated?" issue. The Labour lnrty i. could not elect. increase thLa powlarity. out down Ilabo ur 0011b, . The m- am t l in nu Own ouhtlilrlsongw Reforestation Mir. liiznvoat chairman's next question laws.- to the following gramme sub ect: nfa involved? f feel that Dr. c have done a much bete-r I can possibly do, but in scnoe I aha-ll endeavour t. as k in G6 Der cent of the small parcels. and due to Prince Bid-war of the entire Prov erally spcakl , f estry been Cflllfilfifilfé ilgrilfllSiy lad: M interest in the the locate. much of {I “This neglect of the farm lands has la to our pros-ant. def clancy for Our econcmy. It has tent of forested resulted the lr. certain sections oi’ the “In the main, therefore. sidlamd extremely lln some pwgranmle be s "l! rted out in an atlem i0 in so doing increase the' of lumber for b nlg ‘Ilzere is evcrv lteuon that If a. realistic and forestry mme were lumber would be mlnimi This change-over to and corresponding duciiion. could not give management “To svubstlasltlaze my would like 0f Dr. J lllbfli’, for a cent oonsls is considered Til classes "l. in no doalbtldue flail!‘ on poor m nagte. s more suitable u. nted out, that soil makes erosion p more ant yxroblun than the itself indiotlltfi- The soil 1 MIoAdem, Miss Marlon .., Mule. Alex- Hill-l "id Phillip! HA left ‘ll fil°"m two kahuna. Mr W‘ and Mwlmd- nnd than s S M“ Tynna Vallcy- ‘"5- 1 lhd ma. Barbara Inning-ton 7"" -- in whmiegmli: 3t "@3- me- ulifioubhiornh . K80 - 3m F; ‘Camp- dc lmn was uflniod for RDLS thi: in which they were inter. ed answers frccn tartan: or gilosta. in Whose claasi cgm information was likely to b; The question "Why was Church. was arkswexvd udgc HI... Palmer who out that lvfr. Churchill had a. united government and the re- oent, election w-as fought on a party strong in the former governmen and as the tezldemcy has 0f hhe wVllii/Q party, orlher Smith replied to the "I have been requested by Ml. ‘ess you briefly on “Is a pl‘0- oxesl-ation feasible in Prince Edward Island and when’ are the essential issues lack. who was to have dealt with this subject would my personal views ml the su ject Eng ear. . "The farm woodlot-s .01! this Prov- oomprlse approximawely '13 per cent. of the total folested area of '12s square miles. that ls to say 73 forested area is contained in d Island has never had a forest service. i‘.n fact. gen- ocommic factor in the life of the Island inhabitants Because cf this mecibilitv of e forested all-ea has been abused in every poa- siblemgwav including Gilli-ill]: and z , ab galls been cleared for agrlctllturai Dill-poms. which would have proved much mOre productive and D0ll& finial had it been left under forest. areas and clearing nf sub-marginal ly cozlt-rlbuted bar and other precincts so necessary creased the moisture holding con- the amas adjolnin lands and ilas undougeglg in l o water table by pom-fitting the rapid run-off of stnfaw moisture. which in tum h-as resultod in widespread sheet erosion and the removal of lnuloh of the top soil and humus rtunt that forest conditions on t. e Island. and come and raise the standard of living. At the present tune, it is messed-y to import 1M3! quantities uildi gtnpose-s. out, the necessity of lm sided more lrp-io-date sawing and manufacturing mcthods could be introduced. management. for increased growth forest take piacc in a short filmc. but ra- ther would it noowsltaltc an inten- progranune for a rlod c-f years, based of course. on e ultimate product qf the forest. views. to quote from t c report J32. Lattimer of t c Econ- omic survey of Prince Edward ls- land published in November. 1944. classified as good farm land: about 2 per cent new in use is called land icultule. Over 40 per the doubtful class for mixed farming. This proportlgn lowgrfllb . considered J! the report. it ‘is the nature of i WDOQTiIphv of the colmtrv would in Vinriolity 0f Matters A Discussed At Rotary submitted Mr. Ted questions the the ob- We W825 V e .. ‘.2 Ohurohlllpfilgl- ‘ in favour "No majority an fol- and nngemcnt lob than his ab- D PCS! humus is washed away if and when erosion is allowed to occur. “With regard to the feasibility of Efblwtwtidn in PEI, I fcdl that a. certain of caution must . ter Ind that planting ~ amount ed this mat- oparattouls moor-ted to only in areas that are definitely unsuitable for ogrioulttue and where title desired WP: of forest cover cannot be 0b- ta ed by natural reproduction "Without question. there are localities in this Province where oondlftlons warrant the planting of from as wind-breaks and shelter pelts as well as for the Fmpose of soil conservation. llnd t-would seem advisable that arti- ficla-l planting should for a time at le be limited, more or less, to ng to the question of the essential issues involved. it. mav be said that at the plusent time, we are absolutely lacking in 371v org- anizaltiarl for the dilution and supervialon of activities designed to i-m ve forestry practices and ocnditovns thrtmghout the Prov- lnce “It is therefore consl-Jelxd that provision dhmlld be made for the echnical personnel and necessary developments and machinery for ilm c out. of a suitable pro- gramnnle in education and demon- stmltlon. which will have as its wlntary purpose. the improvunelwt; of farm vl-ocd lobe. the re-establitth- merit 0f sub-nlmrglnal farm lands to the forested lvmiition and an increase in the value of forest products. , "All this. if considered seriously, nmst be undertaken with the dis- irl-ct understanding that forestry is a 0113 term proposition and will involve a continuous effort for a long period of lrcm l0 to 50 years. for willie some immediate ncfits will result frctn tltch a prog amme, any perceptible improvement in the this fact, has not It! ill’! 8.1% forastcd in lum- alsu dc- the province. it is con- and car- improve farm in- believe practical carried tmg . PTO- MODE!‘ uro- WUYSE I In that section dealing with soil. pa/y only 80 cent. tor whatever the states: About 56 per percentage e column-once clause cent o the land now utilized 1s may be) of any loss that the 3and4 he import- general wa "h es away easily and the top | soil and _ hold if‘ a policy-holder fully insures his age he will mat, qt’ lnstmmce equitably llmcng P luliversally ndctpttd by companies. Its fairness is demon- strdiled by f-he ctmtpluvs willing- prwent condition of our forests cannot be anticipated before a per- iod of art lea-st ten years. 1c is nunuhl trundle followingi projects should be given consider- ation with priorities in the order named. (l) The establishment. of a ser- vice, with qualified (Personnel, suit.- able equipment an amomllnoda- tlml for the planning and dlmction of programme. <2) An extensive programme of publicity and education. (3) The establishment of a for- est treehurserv from which tho fentners ecu-id obtain ole-ntlnc stock for pin-poses otmsldered 1111151 essential. (4) Provision for the training 0f farmers and famlerc sons in proper wood lot management. (5) Provision lor adequate fire protection. l6) Provision for roadside 1m- movement. I have not time to elaborate on the van-lotus projects mentioned above. but trust. Gentlemen. that 1 have bean able to convcv to you the need for some action designed to improve forest conditions in this province. Rotairian Roy Kendall was asked the meaning of the term "Close Harmmly”. and advised his IEUOW members that the term did not op- pear in standard music or refer- ence books. but. was generally used ir. connection with male quartets. due possibly to the fact that. as the blise and first. tenor ohm new‘ not more than or. octave apart. the remaining two vulces must be very clone together. “Barber shop sing- ing" was generally referred to as the best. example of close harmony. Colnsurance Clause lvlajcr Alex Knox ably answered a. trickv quesfxln on the Coinsur- ance Clause wtrllcarliuz in many Fire Insurance con-tracts. He said: “The Oolnsurance Clause in a fire insurance contract is an aglccment between the insured and the comp- any that the collcllmlder anal! maintain insurance 011L181 i0 l! C91‘- tdin percentage of the value of the property covered. If he fails to cam that amount elf insurance; he will than have to bear a share of any loss suffered. and the Cctnp- any will pay only in the proportion that. the amount cf the pOiiCY W875 to that percentage of the DNDETW value shown in the Oolnsurance Clause. “The Oolnsuratlce Clause (i095 not mean that; the Company’ W111 llcy- c-r may sustain. The fact izeotlnt property up to the stalled Dcrccnt- be entitled to collect the entire loam not to exceed the value of insurance carried. as the clause becomes inoperative. "The true _purpose of the coin- surance clausc is to distribute the ltoperty owncrs. and it has boon insurance neas to grunt. n rcductiml in the rate or cost of ln-litrance foo‘ the ac- IT'S NEW AND EVEN MORE EFFECTIVE- SLIGHTLYFERFUMED l! NOT STICKY- IEAVES NO STAINS ‘ IS NON-IRRITANT. 5:15 Two mind: l) coinsurance has axing or effect on total g) It. alffecLs recovery only when n0 low the rltagc of value of the property specified in the Coin- surance Clause. ' "If the value n‘ A's buildlng haul)- Dtns to be $10,000 and his oiicy contains the 00 per oen Consur- ance Clause. A is ex ect L0 maln- tain at least. $8.000 nlsumnoe. If he maintains t-hst alnount his loos adjustment. in nu way differs from that clf his ncitllbotn‘. B. who owns a similar building aim valued at, P100000. and who also carries $8.000 insurance without llnv Cit-insurance Clause. The onlv difference in the llvo cases is that, A, by ream“ [,1 “Weiltiflfl the 80 per cent. cvfrisur- ance clause. will have the benefit of a lower ltste than B, whose pol- icv contain; no intimation cl [he amount of uls-urance which will be carrlod. The reason for A's lower rate is that the insuring company knows that it can depend (m so ye.» cent. insurace to bear the bur cn of any loss that. may occur. while Bs cace. it has no such know- IPIdBe and in event n!‘ lo=s there "lily be Only 50 per csn-t or 4O per cent or even less insurance. "It wtill be seer. from this that the Coinsurance question is inex- lrlmblv interwoven with the rate m? and cannot. be dissociated rcm. “While the s0 ii-nce Ola-use con cent inpuratlce to value. ll never- t-heiess does not limit the policy- holders insurance to B0 per cent of the value of the property if he QiZvOCSPS to can 90 per cent insur- ance or anv hglmr percentage up i0 the value of the property. "Slllmild the policy-holder. willie taking advantage of war Premium rate. carry ids than the percentage of insurance specified y the Co nce Clause, then than. he coinsures with the "lmlll-Ily and bears his rateable proportion of anv 10:5. measured by the difference between the amount. of insurance actuallv carried and the percentage named by the coin- 511131106 611M188. L’. I01" example, the Ooinuunnoe Clause is for 00 per cent. but the policy-holder buys only 8-0 per cent insurance. paying lt-Temiulm of only 6O /80bhs of the coat 0f 80 pter cent DPOLXIFCLDILBOUIC nv n lunpays ony 60/ ths of lg: loss provlulng 105g does not exceed 80 per cent and the policy- holder bears the remaining zo/aonu; he collects lust what he has paid for. If less excccds 80 er cent, the Oonltpzlfly then pays he face 0f the policy 60 per cent. er cent Ctilntllf- gnplates 80 per 27 ‘u’ Examplo A property is worth $10 000. The owner buys insurance qt $8 000. and accepts the 80 p.91" cent Cofhsllrwnce Clause at a l-otvcl‘ rate. So far, so good. A $1,000 loss occurs, and the owner has maintained insur- ance of 80 per ctnt, value. the co- insurance clause L: inoperative and he collects in full. BU'I‘—timc marches on. Five years. let us say. have elapsed. Another $1.000 105s occurs, At this tttle, however, values have increased, and we illLd our insured pvllh a property valued at 312.000 instead of 0,000. The cla-uae requires lnm lo carry at. least 80 per cent to value a0 per cent of 812.000 ls $9.600. But he has failed to realize his incrcared values and still carries Only $8.000 insurance. The L-lsurin Ccm any therefore pays orny 80 6lhs c the $1.000 tcr $833331 and the owner is n, comsurer ‘o the extent of the remaining IB/Qlitlla (or 5166.671. "We have said that the clause is of no effect when the loss is total. let's see why in this exn-nllale. If the value he $12000 and the operty ls completely destroyed. hen the loco ts 312.000. ‘[115 047mg; any ls still obligated to pay 80/9?» of the lotus up to the innit the face value of the policy is only $8.090. so you will see that in cases of total loss. the insured is penalized- not because the operation of any coinsurance clause. but bc- cause he didn't. have enough in- surance! "An important point to remem- ber is that the coinsurance claure applies to the actual cash value of the pFODBTiv at tile time of loss avd not at. the time the policy was 1s- u . red u: o , _ ceptance of this clause. gaunt-faced mother holds w hot bllufvhich ahe up alive by feeding it M: own tamer lotion. UHRRA My, in s Sarajevo clinic. "The lmxrrporadon of n Oflin- sulanoe Olmuse lit an In communli-irs (throughout the to contribute money and canned goods u: hungry peoples stave off starvation: 1' BUlCK FLIESMOSQUITOES ints should be borne in losses. llh the amount, of insurance car- ried and the amount a! the loss are mlicy places it squarely m the sund either to maint-aulg insur- ance which at time of any for; , shall be at least equal in amount to the coinsurance percentage n1 i actual value-or to become a. coin- surel- in ace of 1cm. In turn for the assumption of such obligation, the btnlnc his insurance at g reduced rate “Moot losses are partial. ndeed, ‘the whole basis of rate costs ore- dlcated on that fact. And in 035g ( _ wit the terms of a Coillsurance Clause means_ less indemnity for the loss than lf them were no co- insurance provlsian ln effect. Such a situation leads to disappoint- mfllt by an insured who doea not undorstand the cftcct of the clause. That is the crlucisln most often , offered against List- of the Coinsur- l ance Clause, that even though he may at the time of loss carry in- surance in amount equal to or greater thin the amount of the lose, he ls unable to tollcct in full be- cause the amount cl hi. insurance is not at least equal lo the required percentage of value. "But he pay has for his insur- ance wlth coinsurance than would pay withvu. it; ‘by taking ad- vantage of the lower rate. lt t! only fair that he should calrv the re- quired alnoullt 0:‘ llifitlfflilfté If un- prepared or unwilling to do that. hen he should pay the higher rate and carry as little insurance as he may please. "The advantages of coinsurance are gzcattetr protection for less money. There ls no dlsadvantatze ll the illsulcd. understanding lis effect, maintains in force a suf- filslient pmportlon of imuranoe to v ue. Where values do not fluctuflte. there need be no disappointment over clalnl adjustment i insurance its written ill mtrflfliflllt afnoun: t0 cc-mlly with the clause. ‘ ’hcrc values fluctuate to any considerable dcgrcc there are thrifty forms of coverages tailor-made to modem needs. Cottsult your insurance advisor, as you would vol." doctor or lawyer." The rclalloni-illp cf the weather in the latter ltsll". of the winter to cro condition: was answered by Bavarian Chester Shaw. Woather And Crops "Nothing defiflli6—y8t_ihe ground l having sufficiell: moisture can withstand .2» thought similar to that. of Julv 01' August uf 194.5 Through Apil, we had frost-When the frost is out. or ocming out of the ground a few inches. a snow- fall 1s then referred to as the “poor cllalrnrlers The snowfall is visually accompanied by lower wmsperattlre il-hd the snow protects the piantx~and the snow melting gradually. the moisture is absorbed and not loot. I may say that the two A rll snow storms have we be- lieve on Aflfl} nsrble for the sov- ing of the clover. Prospects for a good oro are excellent. Let us hope that not. ing will interfere adversely and that an abundant crop will be lwrvostcd that Wli-l do much to" re- nlove the distress and hunger. McDonald To Well Ottawa Widow lBy The Canadian Press) OTTAWA, May 20“ Announce- ment was made here today of the engagement. of Rt. Hon. Malcolm MacDonald. former British high commissioner to Canada. to Aud- rev Fcliowes Rovvley. widow of Lt.- Col. John Rowlcv. D.S.O.. of 0t.- tawa. who was killed inaction on the Rhine April l6. 1946. leadlnl his North shore New Brunswick Regiment in an attack. Date and place of the ivedding has not been decided. Mr MacDonald now is en route to take over the office of Gover- nor-General of Malaya. Fur Buyer Arrested SYDNEY. N. S. May 20—lCPl— Julian Swartz. 42. Romanian-born fur buyer. was brought here by plane today under police escort from Si. John's. Nflll. and was lakcn into r-uxlndy by Royal Can- adian Mounted Police. Police said he was wanted for questioning in a fraud case in Montreal and would remain in Sydney lmtil an escort arrived to lake him back to Montreal. BANK MANAGER DIES MONTREAL. hilly 20-46?)- Fredenick Dvet-t Widder. B2. a ira- tivc of Goderich, Ont. riird at inis home here today, Mr. Wldder was nl-anamcr of Rot-bl Bank of Can- ada branches in Goderlch. Fred- ericton and Paris. Ont. before his rctlremcnt. He is survived bv his widow. the former Laura lifsry imllrance Wetmnre. and three children. artlal loss a faiium to DCnlfliy‘ Islanders Arrive 0n Liner Aquitania The followint Island army Per- kennel were aboard the Cunard Halifax yesterday: Pie. A. J. Landry. Summcrside; Pte. Ntink- lettcrl Slimline ide; and LCpl. l... C. McNeill, St. Peters. ‘Illa following overseas wives and children of Island veterans were also on board: Mrs. Mari-Z- alet Gaudet husband, Pie. H. D. Gaudet. Albany; Mrs. Rose Jessle Cameron. husband, Gnr. I...A.Cam- eron. Carleton Siding; Mrs. Joan Maoliirlnon. husband, sgmzl. I... A. MacKinnon. Charlottetown; Mrs. Winifred E. Munn and daughtcr. husband. Gnr. D. Munn. Hope- fleld: Mrs. Natalie hlacArzllur, husband, Pte. K. W. MacArthur. Portage Station. Trinity Men’s Ass’n Annual ‘Meeting LiouL-Col. L. T. Lotvther was elected prezldclli of the ‘irullty Mon‘: Association at lla llllllllll meeting last night. Mr. EB. Clw~ son is the retiring president. Other officers elected for 1946-194’! term include: R. E, Seller, vlce-praident; J- C. Moptgonlery. secretary"; R. W. Mailllinf. treasurer. Tile CXECULHP comprises J. A. Fras-cr. W. N. For- sythe, and E. S. Coffin. Mr. C. H. Black conveyed the the of the King's Daughters for the manner in which they had sup- ported the Trlmtv Melts Associ- ation. A committee was nominated to arrange for the annual Sunday School picnic. It includes S. C. Wright, R. W. Manning. W. M. Forsvthe. Lleutn-Col. W. W. Reid. 0.8.0.. and Major Frank Storey Mr. Lionel Brittle addressed the Association in the interests cf the Mount Allison Building Fund. He was introduced to the meeting by L. W. Shaw. director of education. Parlhhent“ At A Glance iBy The Canadian Press) Finance Minister llsley said Canada expects to supply 2,300,000 tom of bread grains to the world supply. Justice Minister St. Laurent said work was being done on the redistribution bill. he Progressive Conservative members timed steps be taken to prevent the sale of rockets and firecrackers to Juveniles. The Commons spent most of the day oonsidarlnlz Government bills. Senator Arthur Roebuck 1L- Ontario) suggested a one to three Elgar hoist for the Canada Day O Tuesday z nus Government Senate will sit. Heavy Docket For ILB, Divorce Court business. The (By Tim Canadian Press) FREDERICTON. May l9 — The New Brunswick court of, divorce and rnstrlmon-ia-l causes will open lonlorvow with the lamest single- term docket in its history. Petit- ions filed to date number 14.5. 1n- cludlng 47 from Saint John, 28 by Moncwn barristers and 25 from Fredericton. Batburst 118s six. Newcaslie three and Camlpbellton one. Undefellded actions total 136. seven- are contested and three were loft over front the January court o 54 -OARAT DIAMOND CAPETOWN—ICPJ~A fine iiv diamond ucllllllni! 54 MIME. found in the Windsorton areas. Cape Province, on proclnilncd ai- luvtal digglngs. has been sold for about £10000 1545.000). Tilt‘ 8- ntoutlt mid is a record net civral for an alluvial stone. T00 Late To Clasify v xmn bicvclc from Teletrraph Ofllcc please return. 5-71-15 flllhl~ lmcr Aoultlmia when she docked in Army Ship lConwulcd from Page l) The office into which the piano crashed-the Alla! Corporation- was a ruin. A fire started but Wll soon extinguished. As parts of the ship fell-one engine dropped into Pine Sire t- lire also started on the 24th floor, but the flames there . also were quickly put out. Tile ship dxploded as it hit the building. Windows in another building were shattered. One ivlleel of the slllp bounced from the sirvct lu the fourth storey of xliOLhfl‘ building. A- few persons in the strect wure struck by falling debris and llam- lllg particles oi ille plune. The world almanac u! 1M5 -.'l\'l5 thl- height of lilo slru<lt ilulfin‘! ill 90 Siuliflr. “dill n hclriili of 927 feet, the fourth tallest ill lhc- world, A ill?‘ dc-plirlnlvlll nlilc" :11. however. said the building Wfli 72 storeys high. In Moderate Frg Thvl‘? was a tnodcltlir- (u? will! a half-mile Yislillili)’ and nu l-~.tr- tnzllmf ccllinlz of 400 T90! DWI‘ "T"? li/lallhaiian at the time the l-Fll"? crzv-hr-d, the weather bureau rc- ported Th» nll-ulcnl rm-nllcd ill“ "I'm- ion last mnzmcr when an not? bgmbnr slrurlt the Empire slam Bulltiing. world’; tallest skyscraper. “it vn New York. _ ot-vulrcri July 28 ln ‘ash Lhanksof the man to the members‘ The Commons will discuss vari- I \l.\.hlI\l\' when a pl.;c1t> en DOUI‘ rolllc from Bfiilnrri. hlllaa. h: N.-W~ nrk, N J, tutu-k 1hr: huliliwli; at lilo l-zllllcl- of Ififlll Avenue and 34th SUPIPI about 915 for‘. above the ground. Three occupants of thr- plzlne and l0 P9517115 ‘Y’! ‘he building tvcrv kllind anrl llnnmge was esllmalcti at $5’J‘J,f.0€f Foreigners Chase lciillllliltfjivlkiflrfll Page ll Grand Baltka. "These trawler-s ilave nu rel: 1Q for the line fishermen at fllhl Capt. Knlokle said. if the thaw .35 Ont whcn the foreign trawler: are dragging. it's its“. too bad" “Mlv llvcililcod vras ormQllfllfv Banks but new its gone, elifii Capt. l-limlnel-lnasl. nun". In Large Numbers Ffshcrmcn said the splints-h and Portuguese trawlers returned to the fishing ban-ks off the New- foundland and Nova Scotla coasts tvlth the end of the war. First they had come ln small numbers but lately crew members of the Lilla B. Boutiiier and tlhe Theresa E. Connor said they had counted between 30 and 40 on the QUE" Banks at one time. Fishermen here said that on several trips in the last month collisions between the 80-90-ton Nova Scotia, school-let's and the 500-i200-ton European trawler: had almost occurreti Means Longer Run Humnelman said part of the har&hlp caused Nova Sootla fish- ermen in having to shift to the Newfoundland Banks was that it meant a 60-hour run to port from the Banks instead of a 2 -hour run from Quero. Full on the Quaro Banks. he said. also hid u higher market value. i001. Arthur L. Ba-lr , supervisor of the Eastern Fished-es Division. said he had not been informed of the uncontrolled use of the fishing grounds bv foreign trawler; but he commented that it was "a tough situation." _ tThe Fisheries Supervisor add- ed however, that the fielding grounds were in international wat- ers and Canada had no legislation to prevent the operation of for- eign tratvlers in these areas. H! said the question of protection of propeltv was not a matter for the department nf fisheries but for the parties com-email.) Princess Elizabeth To Broadcast LONDON. Mav 20 -lReuters\- P11112855 Ellzabefiil will fiddPQSS the vmlth of the Eifniill‘? in a broad- cast slnrrch from London's Rcvnl !L")c:'t Hall Prldav WllCll 1.600 z'c-pl-c=clt‘atlvo< of B Colonial "ml Drmrlninn !'v"."(‘ (r5 l)! F c vollth and shicrs trlll twke Hart in lllfli Errnlre Dav fnstival. l .. orlznnizltlona Thl= corrcaponds to Victoria Day 1!‘. (‘nllfidm v nation. Americans are being asked help the world's desperately The Elmctgenny Food Coliecllou drive on behalf of UNRRA. will extend through June, cash donation; are desired because more food can money if it can be bou ght centrally be obtained for a given amount of and in lame qunntilscs The pool- ing of canned food contributions insures the widest possible and fpjy- eat distribution. Look over these get in touch with your local Emgrg czncnosuovAull-m n chlldmn, they Inked p00 miles in soup Ivory for deyu. died on wear-old girls. With photos of starving follow-men and enoy Food Collection Committee. 180 adults and 30 days. their only food s bowl of Hi0 W17. “ThereCan Be No Lasting Peace in a Hungry World" -- President Truman .1, ‘an... l»... < PHILIPPINES-Native volunteer mines can for Filipino Victim! c malnutrition in a Luzon hospital. Children a n among thousand I d men who could be nursed bank to boll-til.